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Home » Personal Banking » Credit Card » Platinum Visa
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Worldwide Convenience. Added Value. Options to Meet Your Needs.

Visa Platinum

Enjoy the prestige of a Platinum card with the added benefits of a low variable rate.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

†Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances. 1Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards. Android, Android Pay, and the Android Logo are trademarks of Google Inc.

Signature Rewards

With an Apple FCU Visa Signature Rewards Card, you’ll enjoy instant access to dozens of everyday benefits, once-in-a-lifetime experiences, fine wine and food events and complimentary 24-hour Visa® Signature Concierge* service, all while earning 3x points on gas and 2x points on groceries.**

It’s time to experience how rewarding life can be.
View Visa Signature special benefits, rewards and offers ►

Because you deserve the best, your Apple Signature Rewards Card features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee†
  • Credit lines up to $50,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • 25-day grace period on purchases.
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Guide to Benefits | Rewards Overview

Ask a Question about our Visa Platinum card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

*Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on the cardholders’ behalf. **Reward point earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1) will expire on the last business day of calendar year five (5). Refer to the Visa Signature Rewards Overview for complete details about eligibility, reward accumulation and redemption. †Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances. 1Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards. Android, Android Pay, and the Android Logo are trademarks of Google Inc.

MyRewards Visa

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else
  • Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity.
    Learn More About CURewards
Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $5,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1)will expire on the last business day of calendar year five (5). Refer to the MyRewards Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption. †Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances. 1Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards. Android, Android Pay, and the Android Logo are trademarks of Google Inc.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our MyRewards Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

Educator Visa

Carry the card created with educators in mind.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • 25-day grace period on purchases
  • No Summertime payments (July, August & September)**
Additional Benefits:

Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County,  Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $1,000 Direct Deposit.

**By participating in Apple Federal Credit Union’s Educators Visa Summer Skip program, you are being provided the opportunity to skip your Credit Card payments during the months of July, August and September. If you take advantage of this offer you agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate and conditions provided in your original CREDIT CARD AGREEMENT, during and after this time; 2) deferring your payment will result in having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 3) the payment deferral will extend the amount of time it will take to pay off your outstanding balance; 4) you will be required to resume your minimum Credit Card payments in October; 5) you may make any payments during the deferment period and 6) if the Credit Card Account is jointly held, either borrower may act on offer. All deferrals are subject to Apple Federal Credit Union approval. Your Credit Card(s) must be current and in good standing to receive this offer. Certain restrictions may apply.
† Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances. **By participating in Apple Federal Credit Union’s Educators Visa Summer Skip program, you are being provided the opportunity to skip your Credit Card payments during the months of July, August and September. If you take advantage of this offer you agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate and conditions provided in your original CREDIT CARD AGREEMENT, during and after this time; 2) deferring your payment will result in having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 3) the payment deferral will extend the amount of time it will take to pay off your outstanding balance; 4) you will be required to resume your minimum Credit Card payments in October; 5) you may make any payments during the deferment period and 6) if the Credit Card Account is jointly held, either borrower may act on offer. All deferrals are subject to Apple Federal Credit Union approval. Your Credit Card(s) must be current and in good standing to receive this offer. Certain restrictions may apply. 1Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards. Android, Android Pay, and the Android Logo are trademarks of Google Inc.


View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Educator Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

Student Visa

This fixed rate card with credit lines up to $1,500 is a great choice for students, age 18 to 25, looking to build credit.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $1,500
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Student Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

† Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances. 1Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards. Android, Android Pay, and the Android Logo are trademarks of Google Inc.

Mason Alumni Visa

As the official banking partner of George Mason University, we are proud to offer the Apple Federal Credit Union Mason Alumni Visa® Credit Card. Get the spending power you want and the benefits you deserve with a low, variable-rate credit card from Apple FCU.

Earn rewards on the things you buy the most!*

  • 3X rewards on gas
  • 2X rewards on groceries
  • 1X rewards on everything else

Redeem points for Cash Back, Gift Cards, Travel, Merchandise or Charity (including the GMU Alumni Association). Learn More About CURewards

Features
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $35,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • 25-day grace period on purchases
Additional Benefits:

*Rewards points earned for every dollar spent on purchases only. Points expire five (5) years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out basis annually. (e.g., points earned in calendar year one (1)will expire on the last business day of calendar year five (5). Refer to the MyRewards Visa Rules, Terms and Conditions for complete details about eligibility, reward accumulation and redemption. †Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances. 1Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards. Android, Android Pay, and the Android Logo are trademarks of Google Inc.

View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Mason Alumni Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

Credit Builder Visa (Savings Secured)

Our Credit Builder Visa looks and works like any other credit card. It’s a great way to establish or rebuild credit because this type of card is secured by the funds you have on deposit with Apple.

Build Your Credit

Simply deposit any amount, from $250 to $5,000, into an Apple Savings Account. We’ll place a hold on this deposit and that money becomes your credit limit. Then you may use your card for everyday purchases and enjoy the world-wide convenience of your Credit Builder Visa Credit Card.

Features:
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Credit lines up to $5,000
  • EMV Chip enabled for enhanced fraud protection
  • Integrated with Android Pay, Apple Pay and Samsung Pay
  • 25-day grace period on purchases
Additional Benefits:
View Rates
Disclosures & Fees | Credit Card Agreement | Visa's Basic Protection Package
Ask a Question about our Credit Builder Visa card

Compare Your Credit Card Options

Credit Card Balance Transfer

Transfer your high-rate credit card balances to a new or existing Apple Credit Card.
Learn More

†Balance Transfer Fees may apply during promotional periods. Balance Transfer promotional offers may not be used to pay down or pay off Apple Federal Credit Union loans and or Credit Card balances. 1Available on Galaxy S6, Galaxy S6 edge, Galaxy S6 edge+, Galaxy S6 active, Galaxy Note5 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list and contact your bank or financial institution to verify supported cards. Android, Android Pay, and the Android Logo are trademarks of Google Inc.

Each month, we're giving away $1,000 to five lucky members'. | Learn More
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Does the educator credit card require a credit check? Is there an amount that is approved regardless of credit as long as you are FCPS teacher and have minimum $1000 direct deposit?

Asked by: Melinda
Each of Apple FCU's Credit Cards are subject to credit review as part of the underwriting process, and there is no guaranteed minimum limit. While we look for good/excellent credit, we're also able to assist if you have credit on the mend or being built. We'll look at repayment history, capacity and desire to repay, and length and types of credit history. In short, we look at the entire picture and we look at each borrower individually. We'd welcome your application to see how we can serve you at https://loanapp.applefcu.org/.
Answered by: AppleFCU
Date published: 2016-08-18

I have a credit builder credit card. Does this card "graduate" to a non-secured card?

Asked by: jmc3323
The Apple FCU Credit Builder Credit Card does not automatically "graduate" into an unsecured product. Should you wish to move on to one, you would have to apply for the desired card at https://loanapp.applefcu.org/. And not to worry... your payment history goes with you. The credit report will process the change from Secured to Unsecured as an upgrade.
Answered by: AppleFCU
Date published: 2016-08-17

What type of income is needed to qualify for a student VISA Credit card

Asked by: tonyacct
Thanks for your interest in an Apple FCU Student Credit Card. There's no set minimum amount of income required to qualify. Qualifying for any type of credit is based on your debt-to-income ratio (how much you make vs. how much you owe) and other financial obligations. If you have no income, a co-signer may be required for eligibility. If you're ready to apply, visit https://loanapp.applefcu.org/.
Answered by: AppleFCU
Date published: 2016-08-02

What's a good credit card to apply for @ Apple Federal Credit Union?

Asked by: Paul54
We think they're all great, it just depends on what type of product you're interested in. If you like to earn rewards, check out the Signature Rewards or MyRewards cards. If you just want something basic for emergencies, the regular Platinum Visa may be a good fit. If you're a student, we've got a fixed card designed for you, or if you're looking to rebuild credit, our Credit Builder card is a great way to go since your limit is driven by funds held on deposit. To view our card comparison, visit https://www.applefcu.org/CreditCards/Compare. And be sure to check out the member reviews by clicking the star ratings! When you're ready to apply, visit https://loanapp.applefcu.org/.
Answered by: AppleFCU
Date published: 2016-07-28

My son is going to college in August and needs to start building his credit. He's been denied a traditional credit card due to his lack of a credit score. Would he be able to qualify for this Student Visa even if he doesn't have any previous credit?

Asked by: Melb701
The Apple FCU Student Visa is designed for students, so it's possible he may qualify. The only real way to know is to apply at https://loanapp.applefcu.org/. Additionally, the Apple FCU Credit Builder Card, a type of secured card, is a great way to build credit. There is no minimum credit score to qualify since the available credit limit granted is based on funds held on deposit (i.e. secured). With on-time payments and responsible usage, he'll begin to build a credit history. If the denial mentioned was from Apple, we'd suggest speaking with your loan counselor or call 703-788-4800, option 4, to discuss your next steps.
Answered by: AppleFCU
Date published: 2016-07-22

What is required to open an account?  Can existing account be used to auto pay credit card each month

Asked by: Julia
To apply for an Apple FCU Credit Card, please visit https://loanapp.applefcu.org/. Items that are considered include: your FICO score, repayment history, capacity and desire to repay, and length and types of credit history. And yes, you can set-up automatic payments to the card if you choose. You'll also have 24/7 access to your card activity through Online Banking, and you can make transfers to the Card there as well. We look forward to serving you.
Answered by: AppleFCU
Date published: 2016-07-18

How do you make a cash withdrawal from Visa Platinum Card?

Asked by: DASL
You have a couple options: 1. Withdraw cash at ATMs (network(s) noted on back of card). You'll need your card's PIN, so if you're unsure of what it is, call 703-788-4800 for assistance. 2. You can get a cash advance at any Apple FCU branch or financial institutions that accepts Visa cards. No PIN is needed for cash advances, but not all financial institutions serve non-account holders. You'd want to check with them first.
Answered by: AppleFCU
Date published: 2016-07-13

Would I be able to get a credit card even though I am 15?

Asked by: 4hunnid
Thank you for your inquiry! You will not be able to get a credit card on your own until the age of 18 years old and we have specialized cards like the Student Visa® for you at that time. If you are looking to build credit at an early age, you can ask a parent about having you as a co-signer on their credit card.
Answered by: Apple FCU
Date published: 2016-06-16
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